Afleveringen
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In this episode of Let's Talk Money, host Monika Halan dives deep into the pitfalls of bundled life insurance products, urging listeners to steer clear of these financial traps. She reveals how traditional plans like money back and endowment policies prey on investors with deceptive sales tactics, hefty surrender costs, and paltry returns. With a critical eye on regulatory shortcomings, Monika empowers listeners to protect their financial interests by steering clear of bundled insurance and opting for more transparent investment options.
From optimising investments for multiple goals to opening a PPF account for a child, no topic is left untouched. Monika also answers your questions about strategies for lump sum investments versus SIPs, along with considerations for emergency fund placement. Join us for invaluable insights into navigating the complexities of personal finance.
Chapters:
(00:31 - 05:00) Are Bundled Life Insurance Products Any Good?
(05:15 - 08:37) Different Funds For Different Goals?
(08:40 - 10:19) Opening a PPF Account For Your Child
(10:21 - 11:31) Lump Sum Investments vs. SIPs
(11:33 - 13:07) Where to Allocate Emergency Funds?
If you have financial questions that you’d like answers for, please email us at [email protected]
Why is there a bad smell about life insurance in India
https://www.monikahalan.com/the-very-high-front-incentives-are-triggering-massive-mis-selling-and-fraud-in-life-insurance-i-worry-that-as-the-unbanked-now-get-into-the-formal-financial-system-we-are-setting-them-up-for-financi/
Smart people don’t buy money back life insurance
https://www.monikahalan.com/opinion-smart-people-dont-buy-money-back-life-insurance/
The insurance regulator’s 70’s mindset is not serving the purpose in 2020
https://www.monikahalan.com/the-insurance-regulators-70s-mindset-is-not-serving-the-purpose-in-2020/
Signs of market failure in life insurance
https://www.monikahalan.com/signs-of-market-failure-in-life-insurance-the-hindu/
Monika’s book on basic money management
https://www.monikahalan.com/lets-talk-money-english/
Monika’s book on mutual funds
https://www.monikahalan.com/lets-talk-mutual-funds/
Calculators
https://investor.sebi.gov.in/calculators/index.html
You can find Monika on her social media @monikahalan.
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
This is a Maed In India Production; check us out at www.maedinindia.in
Creative Director: Mae Mariyam Thomas
Project Manager: Shaun Fanthome
Head of Audio: Kartik Kulkarni
Producer: Meghna Gulati
Sound Editor: Lakshman Parsuram
Artwork: Alika Gupta
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As tax-filing season approaches, Monika breaks down the basics of capital gains tax. She unravels the distinction between income and profits, shedding light on how different asset classes are taxed. From real estate to stocks, learn about the holding periods that determine whether your gains are classified as short or long term, and discover the varying tax rates associated with each. Monika also dives into the concept of indexation, demystifying how it can help mitigate tax liabilities by accounting for inflation over time. Plus, find out what options are available if you incur losses, including set-offs and carrying losses forward to future years.
For the disciplined investor seeking to refine their portfolio, Monika shares strategies for optimizing asset allocation and diversification. Monika also provides a roadmap for breaking free from the shackles of debt. From seasoned investors refining their strategies to individuals grappling with debt challenges, this episode offers practical guidance and expert insights to help listeners overcome financial obstacles and build a secure financial future.
Chapters:
(00:31 - 04:27) Unpacking Capital Gains
(04:45 - 08:33) Asset Allocation Strategies
(08:37 - 12:38) Reconfiguring Your Portfolio
(12:40 - 14:44) Roadmap to Debt Freedom
If you have financial questions that you’d like answers for, please email us at [email protected]
How to Inflation Adjust Your Asset
https://incometaxindia.gov.in/Pages/utilities/Cost-Inflation-Index.aspx
Index List on the NSE
https://www.niftyindices.com/indices/equity/broad-based-indices
Calculator for Tracking Error
https://freefincal.com/index-fund-tracking-error-screener-feb-2024/#:~:text=The%20lower%20the%20tracking%20error,screener%20hopes%20to%20change%20that.
Monika’s book on basic money management
https://www.monikahalan.com/lets-talk-money-english/
Monika’s book on mutual funds
https://www.monikahalan.com/lets-talk-mutual-funds/
Calculators
https://investor.sebi.gov.in/calculators/index.html
You can find Monika on her social media @monikahalan.
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
This is a Maed In India Production; check us out at www.maedinindia.in
Creative Director: Mae Mariyam Thomas
Project Manager: Shaun Fanthome
Head of Audio: Kartik Kulkarni
Producer: Meghna Gulati
Sound Editor: Lakshman Parsuram
Artwork: Alika Gupta
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Zijn er afleveringen die ontbreken?
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Join Monika Halan on this insightful episode of Let's Talk Money as she delves into the world of equity investment. From understanding the fundamentals of equity ownership to exploring the dynamics of stock markets, Monika breaks down complex concepts into digestible insights. Uncover why equity is more than just a financial asset, and how it acts as a gateway to building real wealth and financial independence.
From young professionals starting their careers with queries about investing their surplus income to individuals in their 40s looking to secure their and their children's future, Monika provides practical advice tailored to each situation. Tune in to gain insights into building a solid financial foundation and navigating the complexities of personal finance with clarity and confidence.
Chapters:
(00:31 - 06:34) Fundamentals of Equity
(06:47 - 08:14) Building Wealth from the Ground Up
(08:17 - 11:06) Financial Security in Your 40s
(11:08 - 13:30) Guidance to Support Aging Parents and Plan for Marriage
If you have financial questions that you’d like answers for, please email us at [email protected]
Monika’s book on basic money management
https://www.monikahalan.com/lets-talk-money-english/
Monika’s book on mutual funds
https://www.monikahalan.com/lets-talk-mutual-funds/
Calculators
https://investor.sebi.gov.in/calculators/index.html
You can find Monika on her social media @monikahalan.
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
This is a Maed In India Production; check us out at www.maedinindia.in
Creative Director: Mae Mariyam Thomas
Project Manager: Shaun Fanthome
Head of Audio: Kartik Kulkarni
Producer: Meghna Gulati
Sound Editor: Lakshman Parsuram
Artwork: Alika Gupta
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In this episode of Let's Talk Money, Monika unpacks the intricacies of Sovereign Gold Bonds (SGBs). From understanding their purpose in reducing gold imports to exploring tax benefits and investment strategies, Monika provides insights into this alternative to holding physical gold. Discover why SGBs offer a convenient and lucrative option for investors looking to diversify their portfolios and secure their financial future. Tune in to learn how SGBs can transform your approach to investing in gold!
Monika also addresses concerns ranging from investment strategies to home loan dilemmas. She provides insightful advice on evaluating portfolio performance, making prudent choices between home loans and SIPs, and navigating complex investment strategies like portfolio hedging and macroeconomic investing.
Chapters:
(00:31 - 05:46) Unpacking Sovereign Gold Bonds
(06:01 - 10:29) Evaluating Your Portfolio Performance
(10:32 - 12:29) Home Loan vs. SIP
(12:31 - 14:17) Exploring Portfolio Hedging and Macroeconomic Investing
If you have financial questions that you’d like answers for, please email us at [email protected]
RBI site
https://www.rbi.org.in/commonperson/english/scripts/FAQs.aspx?Id=1658
Learn more about SGBs
https://primeinvestor.in/varsity/sovereign-gold-bonds-or-etfs/
https://primeinvestor.in/varsity/how-to-invest-in-gold/
Monika’s book on basic money management
https://www.monikahalan.com/lets-talk-money-english/
Monika’s book on mutual funds
https://www.monikahalan.com/lets-talk-mutual-funds/
Calculators
https://investor.sebi.gov.in/calculators/index.html
You can find Monika on her social media @monikahalan.
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
This is a Maed In India Production; check us out at www.maedinindia.in
Creative Director: Mae Mariyam Thomas
Project Manager: Shaun Fanthome
Head of Audio: Kartik Kulkarni
Producer: Meghna Gulati
Sound Editor: Lakshman Parsuram
Artwork: Alika Gupta
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In this episode, we uncover how the Risk-o-Meter plays a crucial role in measuring and understanding the risk associated with different mutual fund schemes. Monika breaks down the evolution of the Risk-o-Meter, starting from its inception in 2013 to the recent changes mandated by SEBI. We explore the flaws of the previous version, which failed to accurately depict the varying risk attributes within asset classes. Learn how investors and advisors can leverage this tool to make more informed decisions, especially in the realm of debt funds where portfolio quality can fluctuate significantly over time.
We dissect the intricacies of mutual fund investments in this episode. We explore the debate between small-cap index funds and actively managed funds, shedding light on factors such as cost, returns, and portfolio performance. Delve into the differences between regular and direct mutual fund plans, uncovering the impact of cost differentials on long-term returns. We also unravel the concept of systematic withdrawal plans (SWP), discussing their suitability for different life stages.
Chapters:
(00:31 - 05:20) Risk-O-Meter
(05:34 - 08:16) Investing in Small Cap Index Funds
(08:19 - 11:48) Regular Commission Based Plan vs Direct Plan
(11:51 - 13:16) SIP vs SWP
If you have financial questions that you’d like answers for, please email us at [email protected]
Monika’s book on basic money management
https://www.monikahalan.com/lets-talk-money-english/
Monika’s book on mutual funds
https://www.monikahalan.com/lets-talk-mutual-funds/
Calculators
https://investor.sebi.gov.in/calculators/index.html
AMFI Risk-O-Meter
https://www.amfiindia.com/investor-corner/online-center/riskmeterinformation
You can find Monika on her social media @monikahalan.
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
This is a Maed In India Production; check us out at www.maedinindia.in
Creative Director: Mae Mariyam Thomas
Project Manager: Shaun Fanthome
Head of Audio: Kartik Kulkarni
Producer: Meghna Gulati
Sound Editor: Lakshman Parsuram
Artwork: Alika Gupta
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In this episode of Let's Talk Money, Monika dives deep into the asset class called debt and unpacks the nuances of debt as an investment option. She explains how debt instruments function, from fixed deposits to government bonds, emphasising the correlation between risk and return. She also discusses the role of debt products in providing stability to investment portfolios, contrasting their characteristics with more volatile equity investments and also touches upon the tax implications of debt products.
Join Monika as she addresses common questions about the Public Provident Fund (PPF). From evaluating PPF as a long-term core of your retirement portfolio, she demystifies the PPF and empowers you to make informed investment decisions. Whether you're contemplating surrendering existing endowment policies for a PPF account or considering opening one later in life, Monika provides practical guidance on maximising the benefits of PPF for long-term financial planning.
Chapters:
(00:31 - 05:02) Debt as an Asset Class
(05:25 - 08:30) PPF vs. Endowment Policies
(08:33 - 10:57) Opting for PPF vs Mutual Funds
(10:59 - 13:53) Is 44 Too Late to Invest?
If you have financial questions that you’d like answers for, please email us at [email protected]
Monika’s book on basic money management
https://www.monikahalan.com/lets-talk-money-english/
Monika’s book on mutual funds
https://www.monikahalan.com/lets-talk-mutual-funds/
Calculators
https://investor.sebi.gov.in/calculators/index.html
You can find Monika on her social media @monikahalan.
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
This is a Maed In India Production; check us out at www.maedinindia.in
Creative Director: Mae Mariyam Thomas
Project Manager: Shaun Fanthome
Head of Audio: Kartik Kulkarni
Producer: Meghna Gulati
Sound Editor: Lakshman Parsuram
Artwork: Alika Gupta
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Join Monika on Let's Talk Money as she demystifies market capitalisation (market cap) and its significance in investments. Learn how to categorise stocks into large, mid, and small caps, and discover the ideal portfolio mix for long-term investors. Tune in for a quick dive into the essentials of understanding and using market capitalisation to build your portfolios.
In this episode, Monika dives into the intricacies of financial planning in your forties. From optimising debt investments to strategising during different interest rate cycles, she offers expert advice tailored to each listener's unique situation. Tune in to discover actionable strategies for securing your financial future with confidence.
Chapters:
(00:31 - 05:23) What is Market Cap?
(05:41 - 09:43) Strategies for Gilt Fund Investments
(09:46 - 12:23) Building Towards Retirement Through PPF
(12:25 - 13:57) Balancing Safety and Return in Investment Options
If you have financial questions that you’d like answers for, please email us at [email protected]
Monika’s book on basic money management
https://www.monikahalan.com/lets-talk-money-english/
Monika’s book on mutual funds
https://www.monikahalan.com/lets-talk-mutual-funds/
Calculators
https://investor.sebi.gov.in/calculators/index.html
You can find Monika on her social media @monikahalan
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
This is a Maed In India Production; check us out at www.maedinindia.in
Creative Director: Mae Mariyam Thomas
Project Manager: Shaun Fanthome
Head of Audio: Kartik Kulkarni
Producer: Meghna Gulati
Sound Editor: Lakshman Parsuram
Artwork: Alika Gupta -
Join Monika on this episode of Let's Talk Money as she demystifies real estate investment trusts (REITs). Gain a deep understanding of how REITs function and the regulatory landscape they operate within. Explore the potential returns for investors, the various types of properties involved, and who should consider adding REITs to their investment portfolio. Whether you're a seasoned investor or new to the world of finance, don't miss out on this insightful discussion about this intriguing investment avenue.
Also, to celebrate women this Women’s Day, Monika addresses the financial concerns of four remarkable women. Whether you're a single mother seeking advice on securing your child's future, or bridging the financial generation gap with your parents, Monika provides guidance tailored to each woman's unique situation, offering practical solutions and empowering them to navigate their financial journeys with confidence. Tune in to gain valuable insights and inspiration for managing your finances effectively.
Chapters:
(00:31 - 04:10) Understanding How REITs Work
(04:30 - 06:58) Securing Financial Stability as a Single Mother
(07:00 - 08:47) Navigating the Financial Generation Gap with Parents
(08:50 - 10:32) Empowering Women to Take Control of Their Finances
(10:34 - 12:23) Protecting Against Online Financial Scams in Relationships
If you have financial questions that you’d like answers for, please email us at [email protected]
One job women shouldn’t delegate to men
https://www.monikahalan.com/opinion-one-job-women-shouldnt-delegate-to-men/
Women fly higher when in charge of their money
https://www.monikahalan.com/being-in-control-of-your-financial-life-is-a-central-part-of-the-push-towards-gender-equality/
Questions women must ask
https://www.monikahalan.com/questions-women-must-ask/
From Valentine’s Day to Women’s Day
https://www.monikahalan.com/this-womens-day-take-control-of-your-money-and-make-financial-planning-part-of-the-family-conversation/
Why Indian women don’t want to work
https://www.monikahalan.com/the-home-likes-the-income-but-is-unwilling-to-let-the-woman-give-up-on-household-work-child-care-and-eldercare-duties/
Monika’s book on basic money management
https://www.monikahalan.com/lets-talk-money-english/
Calculators
https://investor.sebi.gov.in/calculators/index.html
You can find Monika on her social media @monikahalan.
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
This is a Maed In India Production; check us out at www.maedinindia.in
Creative Director: Mae Mariyam Thomas
Project Manager: Shaun Fanthome
Head of Audio: Kartik Kulkarni
Producer: Meghna Gulati
Sound Editor: Lakshman Parsuram
Artwork: Alika Gupta
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In this episode, Monika dives into the intricacies of index investing, unravelling the mystery behind the index number. She breaks down the fundamentals of index numbers for the Sensex and Nifty 50, drawing parallels with the familiar inflation index. Uncover the essence of these indices, understanding their composition, dynamics, and significance in the world of finance. Learn how to use index investing as a low-cost and efficient strategy to secure your financial future.
Join Monika as she navigates the intricacies of retirement planning for individuals at various stages of life. Discover actionable strategies tailored for every milestone, from planning at age 50 to optimising investments post-retirement. Learn how to leverage financial instruments effectively to secure your financial future with confidence.
Chapters:
(00:31 - 05:40) Decoding Index Investing
(06:00 - 08:11) Is it Too Late to Plan for Retirement in 50s?
(08:14 - 12:02) How to Allocate Money at the Time of Retirement
(12:05 - 15:26) How to Plan for Retirement Without Pensions
If you have financial questions that you’d like answers for, please email us at [email protected]
Monika’s book on basic money management
https://www.monikahalan.com/lets-talk-money-english/
Calculators
https://investor.sebi.gov.in/calculators/index.html
You can find Monika on her social media @monikahalan.
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
This is a Maed In India Production; check us out at www.maedinindia.in
Creative Director: Mae Mariyam Thomas
Project Manager: Shaun Fanthome
Head of Audio: Kartik Kulkarni
Producer: Meghna Gulati
Sound Editor: Lakshman Parsuram
Artwork: Alika Gupta -
Today, Monika delves into the intricacies of the National Pension Scheme (NPS). Discover the backstory behind its inception and learn about its numerous benefits as a retirement planning tool. Monika explains how pensions can now be targeted with a flexibility of investment choices, and why NPS is gaining popularity as a low-cost and efficient option for securing your financial future.
Learn how to kickstart your investment journey in India as an NRI, decipher the complexities of insurance structuring for maximum benefits, and navigate the financial landscape of relocating back to India after years abroad. Tune in as Monika addresses pressing financial queries from Indians around the globe.
Chapters:
(00:30 - 05:54) A Roadmap to Understanding the Potential of NPS
(06:10 - 08:32) Investing in India with an OCI Card
(08:35 - 10:37) Navigating Insurance Decisions
(10:39 - 13:45) Financial Planning for Relocating to India
If you have financial questions that you’d like answers for, please email us at [email protected]
NPS is a good product that lives in a bad market
https://www.monikahalan.com/indias-retail-finance-market-is-a-commission-driven-sales-push-market-that-has-replicated-the-lessons-from-the-packaged-consumer-goods-industry-with-disastrous-results/
Monika’s book on basic money management
https://www.monikahalan.com/lets-talk-money-english/
Calculators
https://investor.sebi.gov.in/calculators/index.html
You can find Monika on her social media @monikahalan.
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
This is a Maed In India Production; check us out at www.maedinindia.in
Creative Director: Mae Mariyam Thomas
Project Manager: Shaun Fanthome
Head of Audio: Kartik Kulkarni
Producer: Meghna Gulati
Sound Editor: Lakshman Parsuram
Artwork: Alika Gupta
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This week, Monika dives into the power of compound interest. Learn how simple investments can yield extraordinary returns over time, and discover the dual nature of compound interest both as a wealth-building tool and a cautionary tale for managing debt wisely.
From weighing the pros and cons of taking educational loans to early aspirations of earning and building towards a secure financial future, Monika takes on your questions about navigating the complex world of finances. Tune in as she offers her expert guidance, discussing the importance of financial planning, debt management, and smart investment strategies.
Chapters:
(00:30 - 05:08) The Power of Compound Interest
(05:22 - 06:38) Opt for an Educational Loan or Let Parents Pay?
(06:40 - 08:07) Entering the Day Trading Market as an Adolescent
(08:10 - 09:52) Helping Parents Manage Loans
(09:55 - 11:55) Building an Emergency Fund and Saving for the Future
If you have financial questions that you’d like answers for, please email us at [email protected]
Monika’s book on basic money management
https://www.monikahalan.com/lets-talk-money-english/
You can find Monika on her social media @monikahalan.
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
This is a Maed In India Production; check us out at www.maedinindia.in
Creative Director: Mae Mariyam Thomas
Project Manager: Shaun Fanthome
Head of Audio: Kartik Kulkarni
Producer: Meghna Gulati
Sound Editor: Lakshman Parsuram
Artwork: Alika Gupta
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Join us this week as Monika helps you understand the basic framework of personal income tax. From the different heads under which we as individuals pay taxes directly to the government, to the difference between gross income and taxable income, she demystifies it all. She also explores how taxation can influence our behaviour.
She also takes on your questions about trying to cope with debt. Whether it’s juggling home loans, a bad credit score, or the importance of an emergency fund, Monika addresses your financial concerns and guides you towards a life that is debt free as soon as possible.
Chapters:
(00:30 - 07:50) The Framework of Personal Taxation
(08:20 - 11:47) Question: Should I Pay Off The Home Loan Or Personal Loan First?
(11:50 - 15:31) Question: How To Get Out Of A Debt Trap With Multiple Loans?
(15:34 - 17:12) Question: When Should You Dip Into Emergency Funds?
If you have financial questions that you’d like answers for, please email us at [email protected]
Monika’s book on basic money management
https://www.monikahalan.com/lets-talk-money-english/
You can find Monika on her social media @monikahalan.
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
This is a Maed In India Production; check us out at www.maedinindia.in
Creative Director: Mae Mariyam Thomas
Project Manager: Shaun Fanthome
Head of Audio: Kartik Kulkarni
Producer: Meghna Gulati
Sound Editor: Lakshman Parsuram
Artwork: Alika Gupta
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In the last episode of the season, Monika shares insights on recommending trustworthy planners and navigating the complexities of financial intermediaries. She also breaks down the distinction between mutual fund distributors and registered investment advisors to help you make an informed decision about who’d be a better fit for you.
Monika also takes on your questions about planning for goal-oriented investments and optimising existing resources in a tax-efficient manner. She revisits the formulae for figuring out how much you need to save for your retirement corpus and she delves into the aspects of mutual fund redemption and explains how to use a laddering approach when planning for retirement.
Chapters:
(00:30 - 05:00) Navigating Financial Guidance and Planners
(05:15 - 09:05) Question: How Should I Best Utilise Mutual Funds For Goal Planning?
(09:09 - 13:09) Question: How Should I Think Of Early Retirement in the Indian Context?
(13:12 - 15:55) Question: When and How Much To Redeem Equity Funds?
If you have financial questions that you’d like answers for, please email us at [email protected]
Monika’s book on basic money management
https://www.monikahalan.com/lets-talk-money-english/
You can find Monika on her social media @monikahalan.
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
This is a Maed In India Production; check us out at www.maedinindia.in
Creative Director: Mae Mariyam Thomas
Project Manager: Shaun Fanthome
Head of Audio: Kartik Kulkarni
Producer: Meghna Gulati
Sound Editor: Lakshman Parsuram
Artwork: Alika Gupta
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Budgets are an important part of our country as they define the flows of money from and into the economy. As we gear up for Budget 2024, Monika dives into the intricacies of this annual fiscal exercise. In this special episode, she breaks down the union budget, drawing parallels between government and household budgets. Monika sheds light on deficits, their implications, and why not all deficits are created equal.
Find out how government spending shapes the economy and where your tax money goes. Uncover the hidden stories within the budget, from off-budget items to the larger narrative it weaves about India's economic direction, along with the policy signals embedded in the budget speech.
Chapters:
(00:30 - 03:05) What Exactly Is The Union Budget?
(03:05 - 06:32) Not All Deficits Are Bad
(06:32 - 08:46) What Does India Spend Its Money On?
(08:46 - 12:08) Taxes: How Much We Pay & Where They Go
(12:08 - 14:03) Understanding Off Budget Items
(14:03 - 17:35) Larger Story Embedded in the Budget
If you have financial questions that you’d like answers for, please email us at [email protected]
https://www.monikahalan.com/a-growth-push-and-a-nudge-to-salaried-class/
https://www.monikahalan.com/budget-2022-definitely-not-an-election-pitch/
https://www.monikahalan.com/a-new-confidence-about-india-reflects-in-a-bold-budget-2021/
https://www.monikahalan.com/the-budget-is-a-work-in-progress-and-to-look-for-a-game-changing-story-is-perhaps-futile/
You can find Monika on her social media @monikahalan.
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
This is a Maed In India Production; check us out at www.maedinindia.in
Creative Director: Mae Mariyam Thomas
Project Manager: Shaun Fanthome
Head of Audio: Kartik Kulkarni
Producer: Meghna Gulati
Sound Editor: Lakshman Parsuram
Artwork: Alika Gupta
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In this episode, Monika highlights the importance of shifting from the mindset of simply saving to intelligent investing. Recognize the need for intentional savings and how they can evolve into smart investments. Find out about the potential gains of investing across diverse asset classes, and how to make your money work hard for you.
Monika also tackles pertinent questions about crafting the perfect mix of investments through your own asset allocation. She also underlines the unique dynamics of the Indian real estate market vs the Indian stock market, and explains how your choice of products will depend on how fast you want to grow your money and how much risk you are prepared to take. Tune into an empowering lesson towards unlocking wealth through informed financial choices.
Chapters:
(00:30 - 05:04) From Simply Saving to Intelligent Investing
(05:15 - 09:07) Question: Should I Invest in Long Term Stocks, SGBs, or Mutual Funds?
(09:10 - 13:12) Question: Investing in Real Estate vs Stocks in the Indian Market
(13:14 - 16:41) Question: When Should You Invest in Lumpsum?
If you have financial questions that you’d like answers for, please email us at [email protected]
Monika’s book on basic money management
https://www.monikahalan.com/lets-talk-money-english/
Calculators
https://investor.sebi.gov.in/calculators/index.html
You can find Monika on her social media @monikahalan.
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
This is a Maed In India Production; check us out at www.maedinindia.in
Creative Director: Mae Mariyam Thomas
Project Manager: Shaun Fanthome
Head of Audio: Kartik Kulkarni
Producer: Meghna Gulati
Sound Editor: Lakshman Parsuram
Artwork: Alika Gupta
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As the budget season approaches, Monika sheds light on the fiscal deficit, a critical number in the annual budget. Explore how the deficit impacts your life, how the government finances it, and why it matters where the borrowed money is spent. Uncover the intricacies of deficit financing, borrowing, and the ripple effects on inflation and private sector growth. Discover the government's spending priorities and the balancing act to prevent runaway inflation.
Monika also answers your questions about the nuances of mutual fund strategies. She discusses passive vs. active funds, crafting the perfect fund mix, and the pitfalls of an overflowing portfolio. Monika navigates these queries, offering guidance for long-term investors, DIY enthusiasts, and those juggling numerous funds.
Chapters:
(00:30 - 09:10) Decoding The Fiscal Deficit
(09:19 - 15:28) Question: Should I Stick To Passive Funds or Try Investing In Active Funds?
(15:32 - 19:28) Question: What Is The Right Mix Of Funds?
(19:30 - 24:04) Question: How Many Funds Do I Need In My Portfolio?
If you have financial questions that you’d like answers for, please email us at [email protected]
https://www.monikahalan.com/a-growth-push-and-a-nudge-to-salaried-class/
https://www.monikahalan.com/three-regulation-changes-that-make-mutual-funds-safer/
https://www.monikahalan.com/riding-out-the-economic-downturn-with-mutual-funds-episode-1/
https://www.monikahalan.com/retail-investors-should-stay-with-mfs-and-ignore-appeals-to-jump-into-smarter-products/
Monika’s book on mutual funds
https://www.monikahalan.com/lets-talk-mutual-funds/
Calculators
https://investor.sebi.gov.in/calculators/index.html
You can find Monika on her social media @monikahalan.
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
This is a Maed In India Production; check us out at www.maedinindia.in
Creative Director: Mae Mariyam Thomas
Project Manager: Shaun Fanthome
Head of Audio: Kartik Kulkarni
Producer: Meghna Gulati
Sound Editor: Sarthak Ray
Artwork: Alika Gupta
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In Episode 08, Monika breaks down the factors that influence currency strength. Delve into the complex world of currency markets, and discover why a strong currency isn't preferred by exporters. From inflation to capital flows, Monika explains what causes the rupee’s depreciation and offers insight into the economic forces shaping our global transactions.
Monika also takes on your questions about planning for your retirement! Are your twenties too early to be planning? How should you begin to calculate how much you’ll need? How do your capital investments factor in? Tune into this episode to get answers to all your woes and worries about retirement planning.
Chapters:
(00:30 - 09:30) Factors Affecting Rise & Fall of Currency
(09:47 - 14:00) Question: Do I Need To Plan For Retirement In My Twenties?
(14:01 - 19:35) Question: Calculating My Retirement Corpus With Kids
(19:38 - 23:23) Question: How Much To Put Away For My Retirement Kitty?
If you've got questions about the Union Budget, share them with us! Monika will be getting into the nitty gritties of why the Budget matters to us as citizens in an upcoming episode. You can email us at [email protected] or leave a message in the comments!
Monika’s Columns Related to Currencies
https://www.monikahalan.com/is-the-dollar-getting-dethroned-not-quite/
https://www.monikahalan.com/why-is-it-so-annoying-to-send-money-abroad/
Retirement Calculator
https://investor.sebi.gov.in/calculators/Visual_Gold_Planner.html
https://investor.sebi.gov.in/calculators/Assets_Allocations.html
You can find Monika on her social media @monikahalan.
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
This is a Maed In India Production; check us out at www.maedinindia.in
Creative Director: Mae Mariyam Thomas
Project Manager: Shaun Fanthome
Head of Audio: Kartik Kulkarni
Producer: Meghna Gulati
Sound Editor: Sarthak Ray
Artwork: Alika Gupta
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Welcome to a special episode as we ring in the new year with Swarup Mohanty, Vice Chairman of the board of Mirae Asset Management, a South Korean-owned fund house. Monika asks Swarup questions that address the anticipation and expectation of what the New Year will bring, in the face of global geopolitical challenges as well as uncertainties closer to home.
Monika asks Swarup to share insights on navigating the VUCA (volatility, uncertainty, complexity, and ambiguity) world, the impact of US Fed rates, and potential economic headwinds. They talk about India's growth story, inflation, market trends, and Swarup's personal investment style. Tune in for your guide to a prosperous 2024!
Chapters:
(00:31 - 03:31) Introduction
(03:32 - 08:35) Money Management in a Post-VUCA, Post-COVID World
(08:36 - 10:27) Impact of Global Inflation
(10:27 - 13:34) What Happens to Equity Risk Premiums?
(13:34 - 16:57) War as Worst Case Scenario
(16:58 - 21:39) India: A Structural Growth Story
(21:40 - 24:20) Role of RBI in Economic Revival
(24:20 - 30:45) Re-imagining the Bottom of the Income Pyramid
(30:46 - 34:07) Predictions for the Stock Market
(34:07 - 36:30) Importance of Asset Allocation
(36:31 - 38:26) Ensuring Market Depth in an IPO Surge
(38:27 - 38:54) Interest Rates for 2024
(38:55 - 40:45) Wrapping Up
If you've got questions about the Union Budget, share them with us! Monika will be getting into the nitty gritties of why the Budget matters to us as citizens in an upcoming episode. You can email us at [email protected] or leave a message in the comments!
Monika’s column on the stock market, Indian middle class and growth
https://www.hindustantimes.com/opinion/this-market-bull-run-is-no-hot-air-balloon-101689599028588.html
https://www.monikahalan.com/opinion-exuberant-stock-markets-need-sensible-handling/
https://www.monikahalan.com/the-growth-roar-of-middle-india-hindustan-times/
https://www.monikahalan.com/in-praise-of-growth-that-lifts-all-the-boats/
You can find Monika on her social media @monikahalan.
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
This is a Maed In India Production; check us out at www.maedinindia.in
Creative Director: Mae Mariyam Thomas
Project Manager: Shaun Fanthome
Head of Audio: Kartik Kulkarni
Producer: Meghna Gulati
Sound Editor: Sarthak Ray
Artwork: Alika Gupta
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Today, Monika takes on cryptocurrencies, as she delves into how banks worldwide view it, and what this token really represents. She also breaks down the intricacies of the value of the crypto coin, and the factors that contribute to its volatile rise and fall.
Monika also takes on your questions about the different kinds of life insurance policies out there and which one might work best for you. Tune in as she simplifies insurance policies, so you're equipped to make informed decisions about your financial future.
Chapters:
(00:30 - 09:18) Demystifying Cryptocurrencies
(09:33 - 17:25) Question: The Best Life Insurance Policy For My Family
(17:27 - 25:31) Question: What Should I Do With My ULIPs, Money-Back & Endowment Policies?
(25:34 - 27:27) Question: Exit Dates For My Life Insurance Policy
If you have financial questions that you’d like answers for, please email us at [email protected]
Monika’s columns on crypto
https://www.monikahalan.com/treat-bitcoin-like-a-punt-and-not-as-an-investment/
https://www.monikahalan.com/ftx-implosion-is-a-costly-lesson-for-retail-investors/
Monika’s columns on life insurance
https://www.monikahalan.com/the-very-high-front-incentives-are-triggering-massive-mis-selling-and-fraud-in-life-insurance-i-worry-that-as-the-unbanked-now-get-into-the-formal-financial-system-we-are-setting-them-up-for-financi/
https://www.monikahalan.com/opinion-smart-people-dont-buy-money-back-life-insurance/
Life insurance calculator
https://investor.sebi.gov.in/calculators/Insurance_Calculator_YoungEarners.html
https://investor.sebi.gov.in/calculators/Married_with_KidEarners.html
You can find Monika on her social media @monikahalan.
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
This is a Maed In India Production; check us out at www.maedinindia.in
Creative Director: Mae Mariyam Thomas
Project Manager: Shaun Fanthome
Head of Audio: Kartik Kulkarni
Producer: Meghna Gulati
Sound Editor: Sarthak Ray
Artwork: Alika Gupta -
This Friday, Monika unravels the intricacies of mutual funds. Will they lead to a short term gain or is this a long marathon? Tune in as Monika explains how to navigate this vehicle to invest in securities like stocks and bonds, how to create a diverse portfolio of funds, and picking the right scheme to manage your money.
Monika also tackles pertinent questions from listeners about managing your finances with the decision to have kids: covering the costs of IVF and egg freezing, how to plan for expenses involved in raising children, and the importance of fostering financial intelligence from a young age.
Chapters:
(00:30 - 07:23) What Are Mutual Funds?
(07:45 - 12:55) Question: Costs Of IVF And Egg Freezing
(12:58 - 21:22) Question: Costs Of Raising Children
(21:25 - 25:01) Question: Raising Money-Smart Kids
If you have financial questions that you’d like answers for, please email us at [email protected]
Monika’s columns on mutual funds
https://www.monikahalan.com/lets-talk-mutual-funds-a-systematic-smart-way-to-make-them-work-for-you-by-monika-halan-releasing-on-27-june-2023/
https://www.monikahalan.com/three-regulation-changes-that-make-mutual-funds-safer/
Monika’s columns on issues relating to money and kids
https://www.monikahalan.com/put-your-kids-picture-on-deposit-but-keep-it-in-your-name/
https://www.monikahalan.com/bringing-up-rich-baby-some-parenting-possibilities/
Calculators
https://investor.sebi.gov.in/calculators/index.html
You can find Monika on her social media @monikahalan.
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
This is a Maed In India Production; check us out at www.maedinindia.in
Creative Director: Mae Mariyam Thomas
Project Manager: Shaun Fanthome
Head of Audio: Kartik Kulkarni
Producer: Meghna Gulati
Sound Editor: Sarthak Ray
Artwork: Alika Gupta
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